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A recent email about "Rent to Own"

07-02-09
Bob "RealMan" Timm
Bob "RealMan" Timm: Real Estate Agent in Minot, ND
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  • Office: (866) 234-0105
  • Mobile: (701) 720-8513
  • Secondary: (701) 838-3658

The following was a question posted on another blog where I have several listings posted. I realize my response is controversial but that is why I'm posting it. Keep in mind as I stated to Miranda, Minot ND has a huge housing shortage and homes that sold for $35,000 just a few years ago are commanding 2 to 3 times that amount today. There are plenty of $250,000 homes available in our market but those are not the ones your typical Contract for Deed buyers are looking for.

My name is Miranda and my question is would you be willing to do a rent to own type of deal?

Miranda,

The Minot ND area housing market is just the opposite of the rest of the USA. We have a huge shortage of housing here due to our Air Force Base and all of the energy related things going on. Rent to own or Contract for Deed thrives in depressed markets and is hardly heard of in raging markets like the one we have in Minot. Most sellers need the income from their home sale to purchase their next, HOWEVER in the rare case that a seller would consider a Contract for Deed the following criteria usually needs to be met: 1) A large down payment, usually 25% or more of the purchase price. #2) To make it worth the sellers while they are going to want at least a little more then what they could get for rent. A smart seller will state that the monthly payment would be 50% payment and 50% interest. The only way anyone is going to know if a seller is willing to go for a Contract for Deed is to present an offer. On occasion a seller who never thought about it may be interested if the offer is good enough. Your best chance of having a Contract for Deed offer accepted is if it is made to a For Sale By Owner (FSBO). I say this because a Seller represented by a good agent will get some pretty strong warnings from that agent if he/she is looking out for the sellers best interests as he/she should. One need not look hard into my blogging to see that I have a very low opinion of FSBO sellers. Lets just say that I think B. T. Barnum's famous saying "There is a sucker born every minute" applies to both sides of a FSBO and you are much more likely to sneak an incredible deal past such an idiot.

Bob

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credit repair in North Dakota

06-20-09
Matt Listro Your Credit Repair Expert
Matt Listro Your Credit Repair Expert: Mortgage Company in East Hartford, CT
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  • Office: (860) 282-6181

North Dakota credit Repair

National Credit Fixers: 330 Roberts Street 4th Floor East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of North Dakota and are experts in North Dakota credit repair.

Federal law protects your right to dispute items on your reports

We operate within the legal framework of the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA), and we pursue your rights under federal law to dispute information on your credit reports to the fullest extent possible.

The FCRA was enacted in 1970 to ensure that consumer reporting agencies act fairly, impartially, and with respect for the consumer's privacy when preparing consumer reports on individuals. It extends consumers the right to challenge information found in their credit reports on grounds of "completeness and accuracy."

We work to improve your credit by correcting your credit reports

We work to improve your credit by challenging items on your credit reports which you believe to be inaccurate, misleading, or unverifiable, and work through your individual credit reports in an earnest attempt to resolve all credit disputes to your satisfaction. Correcting questionable items which are depressing your credit score is a vital step toward improving your credit standing.

A healthier credit report can mean a higher credit score, lower interest rates, and a better quality of life

We are hard-working, dedicated, and performance-driven. Our service is designed to offer consumers an affordable and equitable recourse to the error-prone practices of credit grantors and their credit reporting processes. Ultimately, we help correct your credit reports so that you can enjoy a better quality of life. And the sooner you enroll, the sooner you could look forward to a healthier credit report.

:)
Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair company

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AGE Doesn't Matter

06-11-09
Julie Beall CRS
Julie Beall CRS: Real Estate Agent in Springboro, OH
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  • Office: (937) 748-0000
  • Mobile: (937) 546-0222

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Visit us online at www.juliebeallandco.com

INSPIRATION FOR TODAY:

"I always wanted to be somebody.
Now I realize I should have been more specific."

- Lily Tomlin (from her "One Woman Show")

AGE DOESN"T MATTER!

Whether you're 23, 43 or 73, ask yourself this wonderfully refreshing question: "What do I want to be when I grow up?" Regardless of our age, it's so easy to lose sight of the specific "somebody" we always wanted to be. What's more, the "somebody" we had in mind in our 20's may be someone different in our 50's.

Worse yet, maybe we grew up to be the "somebody" someone else had in mind - like our mother or father. The influence of those around us often prevents us from even asking the question "What do I want to be . . . ?" We try so hard to be their somebody that we don't allow ourselves to grow up at all.

So . . . going back to the matter of age, it doesn't matter WHEN we decide who we want to be so much as that we DO decide. It is at that moment that a catharsis takes place, and we rid ourselves of everyone else's determination of our identity. We are free . . . free to become the person of our dreams.

Is it easy to develop and maintain our new identity? No. Our day-to-day activities will still attempt to distract us from our new persona. Nevertheless, as artist D. Morgan points out in one of her paintings, "The impossible dream - isn't!" Take a quiet moment today, just for yourself, and ask, "Am I the somebody I wanted to be?"

Julie Beall

Now for your Monday Morning Coffee!

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Julie Beall, Irongate Realtors
38 N. Pioneer Blvd, Springboro OH 45066 937-546-0222

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Visit http://www.juliebeallandco.com

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FREE ESTIMATE North Dakota Garage Door Repair Companies

05-28-09
Plumbing Company
Plumbing Company: Builder-Contractor in Berkeley Heights, NJ
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  • Office: (800) 517-0410

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North-Dakota Garage Door Repair Companies

04-28-09
Matthew Zivkovic
Matthew Zivkovic : Real Estate Agent in Vernon Hills, IL
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  • Mobile: (847) 372-1591
North-Dakota Garage Door Repair Companies
North-Dakota Garage Door Repair
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Service Area:
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